Goals-based planning
Financial Planning
A Monte Carlo retirement projection on each household — funded from the live book.
Select a household to build their plan.
Building projection…
Financial plan · Monte Carlo retirement projection
Vendemo · Prepared
Net worth
Plan confidence
Max sustainable spend
Withdrawal rate
📊
Benchmark lens
Monte Carlo projection
Portfolio value across simulated market paths
Median
25–75%
10–90%
Retirement
Assumptions
Spending & income are itemized below ↓
Cash flow — how each year's spending is funded
Income sources stacked against the expense line; the portfolio fills the gap in retirement.
Salary
Social Security / pension
Portfolio withdrawal
Total expenses
Retirement
Income & expenses (today's $, editable)
Where the money goes — annual spending budget
A sample of the household's yearly outlays, in today's dollars.
Total / yr
Goals
funded status against the plan · amounts in today's $
Funded ratio
Tax-smart withdrawals
Accounts drawn in tax order — taxable → traditional (RMDs at 73) → Roth — on the expected path.
Lifetime tax (est.)
Taxable
Traditional (pre-tax)
Roth (tax-free)
What-if scenarios & stress tests
How the plan's success probability moves under advisor levers and adverse shocks. Each bar is the Monte Carlo funding probability for that variant.
Scenario comparison
Stress tests
Survivor scenario — the widow's penalty
When the first spouse passes, the household keeps the larger Social Security check and spending steps down — but the survivor files as single, so the same income is taxed in tighter brackets with half the standard deduction.
Extra lifetime tax
Plan confidence
from as a couple
Social Security
from combined
Annual spending
from as a couple
First death at age
Survivor keeps SS%
Survivor spending%
Plan summary
A client-ready write-up of the projection.